Business Details
16 Years
experience
Expert Mortgage Brokers in the UK
Established in 2010, we are an independent whole-of-market mortgage broker dedicated to providing expert mortgage and secured finance advice across the UK. As an FCA-regulated firm, our services are covered by the Financial Services Compensation Scheme and the Financial Ombudsman, ensuring client protection and trust. Our team of qualified advisors specialises in navigating complex mortgage criteria, offering tailored solutions for first-time buyers, homemovers, remortgagers, and buy-to-let investors. We prioritise digital security, using encrypted platforms for document sharing and abstracting personal data from our systems. Our fee structure is transparent, with no upfront charges and a standard 299 fee payable only upon successful mortgage offers. We streamline the application process by handling paperwork, liaising with lenders and solicitors, and offering out-of-hours consultations.Our focus on mortgages allows us to maintain deep expertise in niche areas such as self-build, bridging finance, and secured loans. We provide impartial advice, recommending products based on overall cost rather than short-term savings. Our clients benefit from our extensive lender network, which includes most UK providers, and our commitment to demystifying mortgage jargon through educational resources. We actively demonstrate our experience through case studies and blog content addressing common financial pitfalls. Our authoritativeness is reinforced by our regulatory compliance and partnerships with mortgage protection specialists. We prioritise transparency by disclosing risks associated with secured debt and maintaining clear communication throughout the process.
Services
Fixed Rate Mortgages
Tracker Rate Mortgages
Buy-to-Let Mortgages
Self-Build Mortgages
Bridging Finance
Secured Loans
Remortgaging
First-Time Buyer Mortgages
Details
- Year established: 2010
Highlights and features
- We are FCA-regulated with access to most UK mortgage lenders
- Our fee is only 299, payable upon successful mortgage approval
- We use encrypted document-sharing systems for enhanced data security
- Our advisors specialise in complex mortgage scenarios and niche products
- We provide impartial advice focused on long-term financial suitability
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Fixed Rate Mortgages
Fixed rate mortgages provide predictable monthly payments for set periods, typically 2-10 years. Ideal for budget-conscious borrowers seeking financial stability. We compare offers from multiple lenders to find competitive rates matching your circumstances.
Buy-to-Let Mortgages
Specialised buy-to-let mortgages for property investors with varying portfolio sizes. We handle complex applications including limited company landlords and large-scale investors. Our advice considers rental yield requirements and tax implications.
Remortgaging
Remortgaging services help homeowners access better rates or release equity. We assess early repayment charges and advise on cost-effective timing. Our fee-free remortgage advice includes market comparisons and application management.
Self-Build Mortgages
Tailored self-build mortgages for property developers and custom homebuilders. We work with specialist lenders offering staged payment structures. Our advisors understand the unique requirements of construction projects and planning permissions.
Bridging Finance
Bridging finance solutions for urgent property transactions. We connect clients with lenders offering flexible terms for property chains and auction purchases. Our advice includes exit strategy planning and cost analysis.
Questions
What mortgage advice fees do you charge?
Our standard fee is £299 for purchase mortgages, payable only when a full mortgage offer is received. Remortgaging advice is free of charge.
Are you regulated by the Financial Conduct Authority?
Yes, we are FCA-regulated under number 500795 as an appointed representative of Julian Harris Mortgages Ltd.
How do you handle document security?
We use fully encrypted document-sharing systems and abstract personal data from our website to ensure security.
What mortgage types do you specialise in?
We specialise in fixed, tracker, buy-to-let, self-build, bridging, and remortgage products, including complex cases.
Can you help with mortgage protection insurance?
While we focus on mortgages, we partner with specialists who provide mortgage protection and insurance advice.
Do you offer out-of-hours consultations?
Yes, we provide flexible appointment times including evenings and weekends to accommodate client schedules.
